Application For Educators Legal Liability surance Coverage Zurich American surance Company, 1400 American Lane, Schaumburg, IL 60196; (847) 605-6000 THIS APPLICATION IS FOR A CLAIMS-MADE AND REPORTED POLICY. IF ISSUED, PLEASE READ YOUR POLICY CAREFULLY. This insurance is limited to liability for acts, errors or omissions for which claims are first made against the insured while the insurance is in force. Please read and review the insurance carefully and discuss the coverage with your insurance agent. 1. GENERAL INFORMATION a) Applicant b) Mailing Address City State Zip Person to Contact Title Phone Address (if different) City State Zip c) Producer Producer Code Person to Contact Title Phone d) Policy Effective Date Current Retroactive Date e) Type of education entity: Public Education service district Parochial Private (if private, attach brochure) Other: f) When was your entity established? 2. LIMITS OF INSURANCE: Limit Deductible Coverage A $1,000,000 or Each Professional cident Limit $5,000 or $1,000,000 or Professional cident Aggregate Coverage B $1,000,000 or Each Employment cident Limit $5,000 or $1,000,000 or Employment cident Aggregate Coverages A & B $1,000,000 or Optional Combined Aggregate Limit Coverage C $10,000 or Defense Reimbursement $1,000 or $30,000 or Defense Reimbursement Aggregate Page 1 of 6
3. UNDERWRITING INFORMATION a) Board members/trustees are: Elected Appointed If elected, are they elected by: Single-member districts At large b) Number of board members: c) Term of office: Terms staggered? d) Student enrollment: (If a college, the number of students should include the full-time equivalent of part-time students) Number of Students Number of Special Needs Students Average Class Size Teacher/Student Ratio: Teacher/Special Needs Student Ratio: CURRENT YEAR LAST YEAR NEXT YEAR ESTIMATE e) Employment Specifics: Attach a current copy of the EEO-5 Report (if filed in the last 2 years) or complete the table below. ACTIVITY OR ASSIGNMENT FULL-TIME* PART-TIME** Officials, Administrators, Managers, Principals, Assistant Principals Teaching Faculty (All Levels) Guidance, Psychologist, Librarians, Audiologists, Nurses or Other Professional Staff All Other Employees * Full-time employees are employees hired to work at least 35 hours per week on a regular basis. ** Part-time employees includes any seasonal, temporary, contract or leased employees. 4. FINANCIAL/BOND INFORMATION a) Budget: Current Year: Last Year: Previous Year: YEAR REVENUES EXPENDITURES SURPLUS (+) DEFICIT (-) Fiscal year ends on: b) If surplus/deficit exists, indicate use of surplus or cause of deficit and how it will be eliminated. c) Has any bond been defeated in the past 3 years? Page 2 of 6
If "", explain: d) What is entity's bond rating: Current: Previous: e) Has entity been in default of principal or interest on any bond? If "", explain: f) Do you expect a budget reduction in the next year? 5. OPERATIONAL/ADMINISTRATIVE INFORMATION a) Have you had on-site monitoring visits by State or Federal Regulatory Agencies? If "", provide name of Agency and purpose of visit: b) the last 3 years, have you been involved in any school mergers/closings or plan to do so in the next 18 months? If "", has your attorney reviewed your staff reduction plan? If "", explain c) Any school openings in the next 18 months? If "", explain: d) Is your attorney: An employee Of the educational entity? On retainer? e) Does your attorney regularly participate in all grievances or administrative hearings? f) Did any of the following take place in the past 3 years? Explain all "" answers below. 1) Strike slowdown or other disruptions? 2) Disputes involving integration, segregation, discrimination or violations of civil rights? 3) Has any employee been suspended, dismissed, demoted, transferred or tenure contract nonrenewed? Explanation for any yes answers: 6. POLICIES AND PROCEDURES a) Has entity/board established policies/procedures governing teachers/supervisory personnel and nonprofessional employees in the areas of: Writing Writing Suspension Harassment Dismissal Demotion Promotion Hiring Transfer Background Checks Discrimination b) Has entity/board established policies/procedures governing all students in the area of: Writing Suspension Transfer Dismissal Corporal Punishment Promotion Acceptance Harassment Discrimination Writing Page 3 of 6
c) Do guidelines provide for administrative hearings and appeals? d) How many hearings/appeals have taken place in the last 12 months? what areas: e) How many hearings/appeals from 6.c) above are in the area of special education? f) Have your policies and procedures been reviewed by counsel? g) Do you have policies and procedures for drug testing: Students? Employees? h) If "", do your policies and procedures allow mandatory random drug testing of: Students? Employees? i) Do you have a policy concerning student use of lockers and parking facility? 7. PRIOR INSURANCE Policy Type Company Name Expiration Date Limits Deductible Premium ELL a) Has any such insurance been declined, canceled or not renewed? b) Is sexual molestation covered under your General Liability policy? c) Has there ever been a lapse in your school board E&O? If "", did you purchase "Full Prior Acts" coverage to fill the gap? 8. PAST CLAIMS ACTIVITIES Claims History, cidents, sured/uninsured Losses Current and Prior Three years a) Has any claim been made/presented to your current or prior E&O insurers? b) Has any claim been made against entity that was not covered by insurance? c) Has any person, former employee or job applicant made claim alleging unfair or improper treatment regarding hiring, salary, advancement, demotion, suspension or termination? d) Has entity been criticized by the state board of education? e) Is entity operating under a court's supervision? If "", provide details: f) Has any claim been made or is now pending against any person in his/her official capacity as an official, employee or volunteer of the entity? g) If you have requested Coverage C. have you ever had a suit requesting nonmonetary or injunctive relief? Page 4 of 6
h) Have there been any written or oral demands or claims made to your human resource department, internal legal division or department, or any department that provides a human resource function or to the Superintendent of Schools, Assistant Superintendent of Schools, Principals, or Vice Principals? If any of the answers to the prior questions is "", please complete the Supplemental Claims formation Form. The following must be attached to this application only if applicable: 1. Student Handbook. 2. Employee handbook, including copies of Sexual Harassment policy, ADA policy, AIDS/HIV policy, Family medical Leave policy and Progressive Discipline policies. 3. EEO-5 Report if filed in the last 2 years. DECLARATION, FRAUD WARNING AND SIGNATURE Authorized Entity Representative Designation The person named herein is authorized and designated to give and receive any and all notices on behalf of the entity and all insureds from the entity or their authorized representative(s) concerning this insurance. Named dividual: Title or Position: Entity's Attestation The authorized signer of this application represents to the best of his or her knowledge and belief that the statements set forth herein are true and include all material information. The authorized signer also represents that any fact, circumstance or situation indicating the probability of a claim or action now known to any entity, official or employee has been declared, and it is agreed by all concerned that omission of such information shall exclude any such claim or action from coverage under this insurance. Signing of this application does not bind the Company to offer nor the authorized signer to accept insurance, but it is agreed this application and any attachments thereto shall be the basis of the insurance. Fraud Warning Massachusetts any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and may subject the person to criminal and civil penalties. Signature: Authorized Entity Representative Date: Page 5 of 6
SUPPLEMENTAL CLAIMS INFORMATION Complete this page only if there are any "" answers in Section 8. PAST CLAIMS ACTIVITIES of this application. Date of Claim: Date of the earliest alleged fact or circumstances giving rise to the claim: Name of the Plaintiff (Complainant): Name of all Defendants (Respondent): Forum for the Claim: Name of Counsel selected to defend the Claim: Have any loss payments been made on behalf of the company or any of its employees under any Employment Practices policy or similar insurance: A brief description of the allegations contained in the claim (if additional space is required, attach additional sheet): Amount spent to date in defense of the claim: Amount of any settlement or judgment within the deductible: Current Status: Page 6 of 6